I highly recommend this next website enough to all my readers, regardless of whether you have debts to pay off or not. Please take a few minutes of your time and have a good scroll through this site, especially the success stories, template letters, resources and most of all the FORUM! Absolutely brilliant! There is a massive wealth of knowledge and information to easily educated you to handle virtually any legal matter from payday loans, to mortgages, to debt collectors, to solicitors, to council rates, to court appearance to handling bailiffs, to police, to using commercial instruments under the Bills of Exchange Act, plus Accepted for Value (‘A4V’) to offset/discharge public debt from your estate’s trust. Seriously, do yourself a favour and look into this site.
NOTE: The fact that it is a UK base website is irrelevant, as Australian Law is adopted British Law. (I said LAW, not legislation)
Get Out of Debt Free – http://www.getoutofdebtfree.org/